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ACBA-CREDIT AGRICOLE BANK” Closed Joint Stock Company (Hereinafter Referred to As “The Bank”) for Issuance and Service of Payment Cards

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ACBA-CREDIT AGRICOLE BANK” Closed Joint Stock Company (Hereinafter Referred to As “The Bank”) for Issuance and Service of Payment Cards “ACBA CREDIT-AGRICOLE BANK” CJSC OPERATIONAL TARIFFS (ISSUANCE AND SERVICE OF PAYMENT CARDS) Valid from the 20th December, 2016 1. This document shall establish the fees and commissions (hereinafter referred to as “the Tariffs”) charged by “ACBA-CREDIT AGRICOLE BANK” closed joint stock company (hereinafter referred to as “the Bank”) for issuance and service of payment cards. 2. These tariffs are set on the basis of existing service principles of international banking practice. 3. The tariffs set herein are subject to unilateral change by the bank upon prior notice on the Bank website and/or other public sources, by means posting announcement in a place visible for clients within the bank premises, as well as noticing the clients in the manner stipulated by corresponding contracts. 4. Signing of the template document or contract, developed for a specific service, by the client shall verify the acceptance by the client of these tariffs, as well as separate terms and conditions and rules established by the bank for given services. 5. The terms and conditions for services, operations and transactions, not directly stipulated by these tariffs, however rendered by the bank, shall be established by a contract entered between the Bank and the client and/or internal legal act of the Bank. 6. In specific cases, in the view of the client cash flow, account balances, credit and/or saving deposit history in the bank, business reputation, the loyalty period, tariffs (non standard) preferential to those set herein may be offered. 7. The commissions for the rendered services stated in this document may be charged by the bank unilaterally (unaccepted) from the client bank account, unless otherwise stipulated by the contract entered with the client. 8. The bank shall not be liable for the delays, faults and damages occurred as a result of force-majeure (natural disasters, acts of state bodies, strike, political disorders, blockades, termination of operation of telecommunication means, other emergency circumstances). 1. GENERAL TARIFFS 1.1. Issuance of card (including linked and additional) and opening card account free of charge 1.2. Card account minimum balance 0 1.3. Cash-free payment by card free of charge 1.4. Cash-free banking transactions with card via POS-terminals at branches of ArCa system 200 AMD member banks 1.5. Payment at service points of branches of ArCa system member banks, including on line, cash- free payments, including payments for goods purchased via auctions of Compulsory Enforcement 200 AMD Service. 1.6. Provision of card regular or additional statement free of charge 1.7. Card termination and/or restoration free of charge free of charge- without cheque 1.8. Disbursement of card balance upon expiration of card effective term book 1.9. Card blocking/unblocking free of charge 1.10. Correction of wrong utility payments made by cardholder via card 1,000 AMD 1.11. Disbursement of card account balance without cheque book, with the exception of for the following transactions done through permanent transfers: Tariffs established for cash Utility payments disbursement via Bank ATMs Customer’s deposit account refill and POS-terminals Transfers to Visa “Benefactor” card charity fund account 1.12. Card account positive balance transfer via ACBA ON-LINE system, ACBA Mobile or Phone According to tariffs defined for Banking to the customer’s other accounts in the Bank, foreign currency conversion from the card the cash withdrawal via ATMs account among the customer’s other accounts in the Bank, and also transfers in the territory of RA. and POS-terminals 1.13 Utility payments from card account positive balance via ACBA ON-LINE and ACBA MOBILE free of charge - American Express Gold and American Express Blue cards in 1.14. Credit line with deposit pledge, credit line completely secured by monetary funds frozen on the AMD - 17%, current account or invested as a deposit. Other cards-18% - Foreign currency cards – 15% 1.15. Credit line with reducible limit AMD cards 22-24% - Credit line with reducible limit without pledging based on financial flows, good reputation and/or Foreign currency cards – 18- guarantee. 22% AMD cards 22-24% - Pledged credit line with reducible limit Foreign currency cards – 17- 18% 1.16. Non-revolving credit line AMD cards - 22-24% - Non-revolving credit line without pledging based on financial flows, good reputation and/or Foreign currency cards – 18- guarantee. 22% AMD cards 20-22% - Pledged non-revolving credit lines Foreign currency cards – 17- 18% In AMD - 20-24% annual, 1.17. Non-recoverable credit line, secured with gold In USD - 15% annual In Euro-14% annual 1.18. Entering cash to Bank card account via ATM machines - Bank ATM machines 0% 1% - ATM machines of other banks members of “Armenian Card” system in the tariffs defined for cash 1.19. Cash disbursement from ATMs of VTB (Armenia) Bank from Visa, MasterCard and Maestro cards withdrawals via the Bank's and from ATMs of Prometey Bank from Visa Card ATMs and POS terminals for relevant cards By tariffs, set for the cash 1.20. Cash disbursement from attached card in the ATMs and cash disbursement points of the Bank disbursement from main card (except for American Express Cashback attached cards)1 from ATMs and POS-terminals of the Bank 1.21. Cash disbursement from Visa, MasterCard and American Express cards of other banks from cash 2% disbursement points of the Bank 2. GROUP 1 CARD TARIFFS ArCa ArCa ArCa VISA ArCa Maestro Transfer ArCa Maestro Pension Transfer Classic Electron Farmer card Credit card card 2.1. Card 3,600 AMD 3,600 account 3000 AMD 3,600 AMD ∗ annually AMD free of free of charge free of charge service annually annually free of charge annually charge commission 2.2. Annual interest rate accrued against card 0% 0% 0% 0% 3% 0% 0% 0% account positive balance Cards in AMD without pledging- 22%-24% in foreign currency- 18%-22% 2.3. Annual - cards in - cards in AMD - cards in AMD Cards in - cards in interest rate AMD -20%- - - - cards in AMD with AMD - charged 24% 3 22%-24% 24% - cards in AMD - AMD - pledge- 20- 22%-24% 3 against used 3 - cards in - cards in - cards in 22%-24% 22%-24% 22% - cards in 18% credit line foreign foreign foreign - cards in foreign foreign 4 and/or account currency currency - currency - currency - 18%-22% 2 In foreign currency - 4 overdraft 18%-22% 4 18%-22% 18%-20% currency - 18%-22% 17%-18% 2.4. Interest- free period of - - - - - - - - used credit line In compliance with the 2.5. agreement Mandatory on credit 10% 10% 10% _ 10% _ 10% monthly line, repayments provided with payment card 1 American Express card ∗ Up to two child care benefit provided for payment cards with no service fee. 2 The annual interest rate for the overdo of the cards that don’t have credit lines is defined in the maximum amount of the interest rate range foreseen for the given card. 3 After reissue of the card for the clients having credit line on the given payment card for at least three years - 20-22% 4 After reissue of the card for the clients having credit line on the given payment card for at least three years - 17-18% American American Express American Express Cashback - Express Cashback - 300 AMD Cashback - American 300 AMD American monthly 300 AMD Express monthly Express Visa monthly Cashback- Visa Electron/ Cashback American Express 2.6. Additional Electron/ Maestro - 300 AMD Maestro - - 300 AMD American Cashback-300 AMD card service Maestro - American 1,500 AMD monthly 1,500 AMD monthly Express monthly commission 1,500 AMD- Express one-time Visa one-time Visa Cashback-300 Visa Electron - 1,500 (issued for the one-time Cashback- payment, Electron/ payment, Electron - AMD monthly AMD one-time term of payment , 300 AMD MasterCard Maestro - MasterCard 1,500 payment principal card) MasterCard monthly UEFA 1,500 UEFA AMD one- UEFA Champions AMD one- Champions time Champions League - time League - payment League - 5,000 AMD payment 5,000 AMD 5,000 AMD one-time one-time one-time payment payment payment 2.7. Linked card service commission Free of Free of Free of Free of Free of charge Free of charge Free of charge (issued for the charge Free of charge charge charge term of charge principal card) 2.8. Card AMD, AMD, AMD, AMD, account AMD USD, EUR AMD AMD, USD AMD, USD USD, EUR USD, EUR USD currency 2.9. Card 3 years 3 years 3 years 3 years 3 years 2 years 3 years effective term 5 years 2.10. Cash disbursement from ATMs and cash disbursement points - below 500,000 - below AMD - below 500,000 daily - 0% 500,000 AMD daily- - more AMD daily - 0% than 0% - ACBA 0% - more than 500,000 (only CREDIT - more than 500,000 0% (only in 1% (only in 1% AMD in 0% AGRICOLE 500,000 AMD daily - ATMs) ATMs) daily - ATMs BANK AMD daily - 0.5% 0.5% ) 0.5% (only - for foreign - for in ATMs) currency foreign cards- currency 0.5% cards- 0.5% - “Armenian Card” system 1% 1% 1% 1% 1% 0.5% 1% member bank 1% - 1%, - Other minimum - 1%, minimum 1,500 Armenian 1% 1% 0.5% 1% 1% 1% 1,500 AMD Banks AMD 1%, - 1%, - Other minimum 1%, minimum 1,500 - minimum - - - - Foreign Banks - 1,500 AMD 1,500 AMD AMD -500,000 2.11. Cash -500,000 -2,000,000 -2,000,000 AMD -500,000 disbursement AMD AMD AMD -1,000 500,000 500,000 AMD - 500,000 AMD AMD daily -1,000 USD -4,000 USD -4,000 USD USD AMD -1,000 USD -1000 USD -1,000 USD maximum limit -1,000 EUR -4,000 EUR -4,000 EUR -1,000 EUR 2.12.
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